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Lending & Borrowing Tokens to Watch Under $1M Market Cap
The decentralized finance (DeFi) lending platforms have been growing exponentially in recent times. Within the under-$1 million market cap space, there are various protocols with unique features that may not be as well-known but could potentially yield significant returns for investors. In this article, we will explore five promising lending and borrowing tokens to watch.
The first token on our list is Trava Finance (TRAVA), a cross-chain lending marketplace operating on Binance Smart Chain (BSC). This platform allows users to launch their own lending pools, with the ability to create and manage “user-owned pools” for lending and borrowing. Additionally, it incorporates AI-powered analytics to minimize risk. Moreover, its decentralized governance model ensures TRAVA token holders can vote on any updates.
TRAVA’s innovative features include allowing users to deposit, borrow, and repay assets at any time, with interest rates automatically adjusted by the protocol. This flexibility is a significant differentiator from other lending platforms.
Coin stats: Price ≈$0.00008485 (24h volume ≈$74K); Market Cap ≈$343.8K; Circulating Supply ≈4.05B TRAVA
TRAVA can be traded on exchanges like MEXC (TRAVA/USDT), BitMart, and PancakeSwap v2.
The second token we will discuss is UniLend Finance (UFT). This permissionless DeFi protocol aims to combine spot trading with lending and borrowing for any ERC-20 token. Unlike other platforms, UFT does not limit the types of tokens that can be used for lending and borrowing.
UniLend is also bridging into AI by offering an AI Agent Hub where users can co-create on-chain AI agents using modular smart-contract “lego” components. The native UFT token plays a crucial role in platform governance; holders can vote on proposals and earn rewards from liquidity mining and protocol fees.
Key features: Permissionless trading & lending for all ERC-20 tokens; unified spot and lending markets; community governance (UFT) with a separate UFTG community token; modular AI Agent Hub for creating on-chain AI agents.
Coin stats: Price ≈$0.00605 (24h volume ≈$54.7K); Market Cap ≈$554.3K; Circulating Supply ≈91.67M UFT
UFT is tradable on exchanges like AscendEX, Uniswap V2, and SushiSwap.
Next up is ForTube (FOR), an open-source DeFi lending platform deployed on Binance Smart Chain in 2020. It is an extensive suite of crypto-finance service protocols aimed at developers, featuring cross-chain asset transfers, token insurance, and decentralized stablecoin issuance. Its smart contracts are audited by SlowMist for security.
Key features: BSC-based DeFi lending/yield-farming; crypto-collateralized stablecoin issuance; permissionless platform with SDK/APIs for developers; algorithmic interest rates; audited smart contracts
Coin stats: Price ≈$0.000738 (24h volume ≈$128K); Market Cap ≈$586.7K; Circulating Supply ≈795M FOR
FOR is traded on major CEXs like Binance and Huobi, as well as decentralized exchanges.
One more token that caught our attention is Interlay (INTR). This Bitcoin-centric cross-chain DeFi protocol seeks to bring the flagship cryptocurrency into a broader decentralized finance ecosystem. Its primary feature is the interBTC bridge – a 1:1 BTC-pegged asset secured by a decentralized network of vaults.
Additionally, it provides a hub for DeFi operations on Bitcoin, supporting Bitcoin lending and staking with low fees payable in any asset.
The INTR token plays a vital role; it allows users to vote on governance (“stake-to-vote”) and cover transaction or cross-chain fees. It can even serve as collateral for interBTC or other assets.
Key features: Trustless BTC bridge for using BTC across multiple chains; Bitcoin DeFi hub with low fees (payable in any asset); modular architecture supporting EVM and Rust contracts
Coin stats: Price ≈$0.002310 (24h volume ≈$59.7K); Market Cap ≈$154.8K; Circulating Supply ≈67M INTR
INTR can be traded on exchanges such as Kraken and Gate.io.
Lastly, we have Kintsugi (KINT), the canary network deployed on Kusama. It runs the same codebase as Interlay but serves as an innovation testing ground for new features. Its flagship product is kBTC – a 1:1 Bitcoin-backed asset on Kusama backed by multi-collateral insurance, similar to MakerDAO-inspired stablecoin.
KINT’s main objective is to stress-test and refine Interlay’s designs; the latter can use this space to fine-tune its services before being released on other chains. This approach allows for quick iteration and testing of new features.
Key features: Kusama-based experimental layer for Bitcoin DeFi; 1:1 BTC-backed kBTC asset with MakerDAO-inspired multi-collateral insurance; token governance, fees, and cross-chain transactions
Coin stats: Price ≈$0.17 (24h volume ≈$65.5K); Market Cap ≈$583.6K; Circulating Supply ≈3.43M KINT
KINT can be traded on platforms such as Kraken and Gate.io.
Each of these projects has its unique niche within the DeFi lending/borrowing space, which often involves cross-chain or Bitcoin-focused features. Keep in mind that these tokens are under $1 million market cap, implying both potential upside and higher risk.
Source: nulltx.com
